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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Florida car insurance quotes

Car insurance for Florida drivers is 66% more expensive than than the national average at $1462 for a 6-month policy. Those in Florida wishing to cut costs can opt for only liability insurance, priced at $413 for a 6-month policy.

As in other states, Floridians' car insurance rates are influenced by numerous elements, such as the age of the driver and their driving record. The Zebra's experts have analyzed Florida car insurance quotes for multiple driver profiles, coverages, and companies to match you with the best policy.

Continue reading to learn how much auto insurance costs in Florida, or if you're ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies

The best car insurance in Florida - The Zebra's Picks

State Farm logo
State Farm: Best Customer Service in FL

Second only to USAA (which we excluded due to it only being available to military families), State Farm scored 833 (out of 1,000) in J.D. Power's 2023 U.S. Auto Insurance Study for Florida.

Travelers logo
Travelers: Cheapest Liability Coverage in FL

Travelers' average monthly cost of $169 is cheaper than Florida's average of $244 a month.

Travelers logo with red umbrella
Travelers: Cheapest Full Coverage in FL

Travelers offers the lowest full coverage insurance at $168 per month.

We recommend beginning, not ending, your search for cheap car insurance coverage in Florida with our picks. The chart above shows rates for some of the top car insurance companies in Florida and their average rates for full coverage policies. Don't forget to get personalized quotes to see if one of our recommendations is the best fit for you.

Most popular car insurance companies in Florida
Company Avg. Annual Premium
Travelers $1,999
State Farm $2,210
GEICO $2,629
Progressive $3,124
Mercury $3,317
United Automobile Ins Group $3,326
Allstate $4,103

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.


Compare Florida car insurance quotes and companies with The Zebra

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Key takeaways for FL drivers

  • Last year, drivers with full coverage paid $1462 for a 6-month policy in Florida. This was 66% more expensive than the rest of the country.
  • 21% of drivers in Florida carry liability coverage — 79% carry full coverage.
  • Travelers is the cheapest company for liability and full coverage car insurance in Florida
  • 46% of drivers Florida who shop with The Zebra state they are paying too much for car insurance.

Cheap liability coverage in Florida

In Florida, the average cost for liability coverage is $413 per 6-month period. Below, we show the annual cost from the most popular companies in Florida for liability coverage, a fraction of the average paid for full coverage insurance. 

Cheapest full coverage car insurance in FL
Company Avg. Annual Premium
Travelers $592
Mercury $610
GEICO $635
State Farm $718
Allstate $1,034
Progressive $1,399
United Automobile Ins Group $1,453

Given the significant role coverage level plays in premium pricing, it may be tempting to stick with the liability-only coverage as 43% of Floridians do. However, most insurance professionals would advise against this as it leaves you and your vehicle exposed to risk. While opting for only liability coverage in Florida might be risky, we've still listed the most affordable liability-only options below for your reference.

Florida liability coverage requirements:

  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $10,000 per person

Rather than requiring bodily injury liability coverage (usually mandatory), Florida drivers instead rely on personal injury protection (PIP) to cover injuries due to Florida's status as a no-fault state. This differs from other states which typically require bodily injury liability coverage.


Cheap full coverage car insurance in Florida

In Florida, you can expect to pay around $1462 for a 6-month, $500 deductible full coverage insurance policy. While this is substantially more than liability-only car insurance in Florida, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents. About 79% of The Zebra's drivers select full coverage.

Other optional coverages (which vary by carrier) include:

  • Bodily injury liability
  • Medical payments
  • Roadside assistance
  • Uninsured/underinsured motorist coverage
Cheapest full coverage car insurance in FL
Company Avg. Annual Premium
Travelers $1,999
State Farm $2,210
GEICO $2,629
Progressive $3,124
Mercury $3,317
United Automobile Ins Group $3,326
Allstate $4,103

Cheap auto insurance in Florida for young drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.

Cheap car insurance for young drivers in FL
Company Avg. Annual Premium
GEICO $5,453
Travelers $6,166
State Farm $7,116
United Automobile Ins Group $8,255
Progressive $9,273
Allstate $10,567
Mercury $14,784

Find the best coverage and price in Florida with The Zebra

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Florida auto insurance costs after an accident or ticket

A history of accidents or tickets can play a big role in how much you pay. This is because your driving history is another indicator of risk — and risk is something insurance companies want to avoid. Having a recent at-fault accident in your driving record could raise your premiums by as much as $992 per year.

Best insurance companies in FL after at-fault accident
Company Avg. Annual Premium
Travelers $2,621
State Farm $2,982
GEICO $3,303
United Automobile Ins Group $4,282
Progressive $4,825
Mercury $4,926
Allstate $5,066

Zebra Tip: Look for safe driving discount

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company's pricing standards and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Florida after a few common citations.

Florida auto insurance rates by violations
Accident/Violation Avg. Annual Premium $ Rate Increase
None $2,923 $0
One Med/PIP claim $2,923 $0
Not-at-fault accident $3,029 $106
Two Med/PIP claims $3,139 $216
One comp claim $3,159 $236
Two comp claims $3,256 $333
Failure to wear a seat belt $3,306 $383
Child safety restraint $3,306 $383
Failure to show documents $3,317 $394
Driving without lights $3,317 $394
Speeding 6 - 10 MPH over limit $3,352 $429
Passing school bus $3,391 $468
Wrong way/wrong lane $3,406 $483
Improper passing $3,408 $485
Failure to stop at a red light $3,411 $488
Failure to yield $3,411 $488
Illegal turn $3,413 $490
Driving with expired registration $3,417 $494
Cell phone violation $3,417 $494
Following too closely $3,417 $494
Texting while driving $3,427 $504
Speeding 11 - 15 MPH over limit $3,478 $555
Speeding in school zone $3,506 $582
Driving too slowly $3,506 $582
Speeding 16 - 20 MPH over limit $3,607 $684
Speeding 21 - 25 MPH over limit $3,630 $707
Operating a vehicle without permission $3,674 $751
Open container $3,722 $799
In 65 MPH zone $3,878 $955
At-fault accident - less than $1000 $4,122 $1,199
At-fault accident - greater than $2000 $4,201 $1,278
At-fault accident - $1000-$2000 $4,201 $1,278
Racing $4,399 $1,475
DUI $4,488 $1,565
Refusal to submit to a chemical test $4,488 $1,565
Driving with a suspended license $4,599 $1,676
Reckless driving $4,651 $1,728
Leaving scene of an accident/hit and run $4,705 $1,782

The Zebra's guide to Florida car insurance laws

Violations like reckless driving or a DUI will require you to make changes to your insurance policy.

Learn more about car insurance requirements in the state of Florida with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.

Florida DUI laws

In Florida, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance after a DUI violation can be a challenge. In fact, a DUI often triggers a bigger premium increase than most single road violations.

 

Low-cost car insurance after a DUI in Florida

If you're convicted of a DUI violation in Florida, it’s important to assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Florida, Travelers, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second cheapest insurer for auto insurance after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.

Car insurance in FL after a DUI
Company Avg. Annual Premium
Travelers $2,911
State Farm $3,471
Progressive $3,714
GEICO $3,893
Allstate $4,192
Mercury $4,233
United Automobile Ins Group $5,670

There is no insurer in particular that offers an inexpensive DUI car insurance rate that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.

Florida SR22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.

Florida also has an FR-44 form, which is similar to an SR-22 except that it often requires much higher levels of liability coverage. Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.

Find an affordable policy in Florida in minutes!

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Car insurance price trends in Florida

In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $1462/6-months compared to national average of $880 for a full coverage auto insurance.

Year over year pricing trends in Florida gravitate from sharp increases — sometimes by as much as hundreds of dollars — and less commonly, slight dips. The steepest decrease occurred from 2013 to 2014, while the highest surge took place from 2015 to 2016. In contrast, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

Florida car insurance rate trends
Year Avg. Annual Premium — Florida Yearly Change — Florida Avg. Annual Premium — US Yearly Change — US
2021 $2,425 $101 $1,529 $46
2020 $2,324 -$1 $1,483 -$61
2019 $2,325 $218 $1,544 $23
2018 $2,107 $170 $1,521 $84
2017 $1,937 $63 $1,437 $69
2016 $1,874 $330 $1,368 $88
2015 $1,544 -$40 $1,280 $51
2014 $1,584 -$88 $1,229 $34
2013 $1,672 $46 $1,195 -$80
2012 $1,626 $260 $1,276 $82

Some of the reasons for Florida's more expensive insurance costs include the state's higher levels of insurance fraud and its larger-than-average number of uninsured drivers[1].

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP code below to get started.


Florida car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.

As of September 2023, full coverage car insurance for Florida drivers averages $244 per month. This is 66% more expensive than the national average. Those in Florida wishing to cut costs can opt for only liability insurance, priced at $69/month but they risk not being adequately protected in the event of an accident.

Yes, Florida drivers are legally required to have at least $10,000 in Property Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). This is supposed to protect not-at-fault parties and ensure at-fault drivers have insurance to cover basic injury and damage costs.

Florida’s average insurance premiums are some of the most expensive in the country due to the state's number of uninsured drivers, higher-risk drivers, unpredictable weather, and mandatory insurance laws.

Travelers has the cheapest rates in Florida for a full coverage policy. State Farm also offers rates that are lower than average. The best way to find the cheapest car insurance in Florida is to compare auto insurance quotes from as many companies as possible.

Overpaying for car insurance? Compare quotes to discover how much you can save.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.